earnings
confidence high
sentiment positive
materiality 0.60
HBT Financial Q1 2025 net income $19.1M ($0.60 EPS); NIM up 16 bps to 4.12%
HBT Financial, Inc.
2025-Q1 EPS reported
$0.60
- Net income of $19.1M ($0.60 diluted EPS); adjusted net income $19.3M ($0.61).
- Net interest margin increased 16 bps to 4.12% (tax-equivalent 4.16%) on higher loan and securities repricing and lower deposit costs.
- Asset quality exceptional: nonperforming assets to total assets 0.11%; annualized net charge-offs to avg loans 0.05%.
- Tangible book value per share $15.43, up 4.3% QoQ and 17.0% YoY.
- Deposits up 1.5% linked-quarter; average loans up 2.2%; all capital ratios increased.